This is Optimal Finance Daily. It's the small changes that make you rich by Chris Rining of

Chris Rining.com. I'm gambling at a casino in the Wisconsin Dells because I told a friend I'd meet

him there. I'm not a gambler, but you don't go to a casino and not gamble. So I'm playing

$1.Roulette is what you play when you don't know to a casino and not gamble. So I'm playing $1 roulette. Rulette is what you play when you

don't know how to play anything. I'm starting with $40. After a few rounds, I'm up to $60, and after a few more,

I'm down to $50. And that's when I tell myself, I'm putting $10 on 24 because I can lose and walk away with the

$40 I started with. So I stack 10 chips on 24 and the dealer spins the wheel and the ball bounces

around and around and lands on 24. Everyone at the table starts high-fiving me, and then the dealer pushes $350 in chips across the table. What do I do? I tip them $10 and walk away. And walking away was really hard because everyone was telling me I had to stay. But I had a plan and sticking to my plan was more

important to me because I always have to prove to myself, I have self-discipline. It seems like

every time I talk about self-discipline, I come to the same conclusion. It's a muscle that needs

to be exercised and it's a really important muscle if you want to be rich.

I see this from my coaching clients.

They tell me they made a million dollars over the last 10 years, and they have nothing to show for it,

and it makes them sick.

And I know, they know, if they don't start making changes, it'll be the same thing 10 years from now.

Now, I'm not saying having money is everything, but most of us are making a choice every day

between creating a future where we're rich and creating a future where we're poor.

And the way to create a future where you're rich is with self-discipline.

Some of my clients aren't willing to give anything up to get what they want. So I try getting them to see that they don't have to make

big changes, just small ones. Like I tell them if they save $5 a day for 35 years, that's $64,000.

They say, so what? So I tell them if they invest their $5 a day

and get a return of 7%, then after 35 years, they'll have $270,000. And if they save $10 a day for 35 years

...